One Mobikwik Systems Limited Investor Presentation for Q4FY26
One Mobikwik Systems Limited presented its Q4FY26 results, highlighting a profitable core EBITDA and reinvestment in growth. The company achieved an all-time high gross margin of 39% in Q4FY26. A new NBFC license was approved, supporting expansion in merchant lending. MobiKwik projects 10x revenue growth in offline merchant acquisition by FY28.
The announcement details significant strategic shifts, including the acquisition of an NBFC license, plans for aggressive revenue growth in merchant businesses, and an AI-first strategy. These developments are likely to have a substantial impact on the company's future financial performance and market position.
The company reported strong performance metrics, including profitable core EBITDA, all-time high margins, and significant growth in key segments like UPI. The acquisition of new licenses and strategic focus on future growth engines indicate a positive outlook.
One Mobikwik Systems Limited has released its investor presentation for the quarter and year ended March 31, 2026. The company reported a profitable core EBITDA, reinvesting in growth initiatives. The core consumer payments business is profitable and growing without subsidies, achieving an all-time high gross margin of 39% in Q4FY26. Their UPI services have seen significant growth, scaling 170% YoY. The lending business has seen improved risk quality, with a 35% reduction in risk compared to its peak stress, and also achieved an all-time high margin of 59% in Q4FY26. The company is focusing on building four new growth engines, including offline and online merchant acquiring, and expanding its lending capabilities through its NBFC license, which was approved by the RBI on April 27, 2026. MobiKwik aims for 10x revenue growth in its offline merchant business by FY28 and 10x GMV growth in its online merchant business by FY28. The company has secured new licenses, including for Stock Broking (July 1, 2025) and Online Payment Aggregator (April 30, 2025), in addition to its existing licenses. MobiKwik is also focusing on an AI-first strategy across its operations to enhance productivity and customer experience. The company's financial services segment has shown strong performance, with net margins crossing 5% and a 19X YoY increase in gross profit. For FY26, MobiKwik reported a revenue of ₹11,542 million and a PAT loss of ₹621 million, with EBITDA at a near breakeven of -₹52 million. The company achieved positive PAT for two consecutive quarters, moving from a loss of ₹560 million in Q4 FY25 to a profit of ₹44 million in Q4 FY26.
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One Mobikwik Systems Limited filed this with the NSE as a statutory disclosure, categorised under investor presentation. It is a primary document, not a recommendation, and the desk marks it high impact, which is the band that most often changes something.
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